25th March, 2020

Vitality Health Covid-19 Statement

COVID-19 Questions and Answers from our Partner, Vitality

Vitality Health COVID-19 Cashback

Are Coronavirus tests available through Private Medical Insurance?
Testing for Coronavirus is not currently available through Vitality.

Can I use my health insurance plan for treatment if I get Coronavirus?

If you need to speak to someone in connection with Coronavirus, you should follow the latest government advice which can be found on the NHS website. Please note that health insurance in the UK does not cover urgent or emergency care.

From 20 March 2020, a new COVID-19 Cashback benefit will be available for Vitality health insurance members who require a hospital stay due to Coronavirus. All Vitality health insurance members hospitalised due to COVID-19, will now be eligible to claim following an NHS hospital stay:

  • Days 1 to 8 – £250 per day.
  • Day 9 onwards - £500 per day. A person with a stay lasting 9 days or longer is more likely to need critical care for COVID-19, based on the latest evidence and research.
  • This is subject to a maximum of £5,000 overall.

This benefit is now available to all current members who have a Personal Healthcare (PHC), Business Healthcare (BHC) or Corporate Healthcare (CHC) plan with the benefit of Core Cover, for any admissions up to 30 June 2020. It is also available to new customers subject to a one-month waiting period.

If I go on to develop a secondary problem related to Coronavirus, would this be covered?
You will be covered for all eligible treatment needed in the future, in line with the terms and conditions of your plan.

Is physiotherapy and Cognitive Behavioural Therapy (CBT) still available to me?
We are working with our provider partners to continue to deliver treatment to you during this period of disruption.

Would my life insurance claim for Coronavirus be eligible?
Should you pass away as a result of Coronavirus, or complications from the virus, a claim will be paid, as per the terms of your plan.

Am I eligible to claim for Coronavirus under my Serious Illness Cover (SIC) plan?
Serious Illness Cover (SIC) does not cover viruses such as Coronavirus specifically. Where the virus goes on to cause a Serious Illness as covered by the plan, you would be eligible to claim.

Can I claim under my Income Protection plan if I need to take time off work due to Coronavirus?
You can make a claim if you are unable to work due to having Coronavirus. This includes situations where medical quarantine is imposed by a doctor for Coronavirus, and where you are unable to perform your work duties whilst in quarantine. A claim can be made in line with the expiry of the deferred period, which will be detailed in the terms and conditions of your plan. You will not be eligible to claim on your Income Protection plan in the event that your work closes, or where you are unable to work due to social distancing or shutdowns in the general economy.

Are Vitality life insurance plans available to new members?
Yes, all of Vitality’s life insurance plans including life insurance, Serious Illness Cover and Income Protection continue to be available for new members.

Full version at Would my life insurance claim for Coronavirus be eligible?
Should you pass away as a result of Coronavirus, or complications from the virus, a claim will be paid, as per the terms of your plan.

Am I eligible to claim for Coronavirus under my Serious Illness Cover (SIC) plan?
Serious Illness Cover (SIC) does not cover viruses such as Coronavirus specifically. Where the virus goes on to cause a Serious Illness as covered by the plan, you would be eligible to claim.

Can I claim under my Income Protection plan if I need to take time off work due to Coronavirus?
You can make a claim if you are unable to work due to having Coronavirus. This includes situations where medical quarantine is imposed by a doctor for Coronavirus, and where you are unable to perform your work duties whilst in quarantine. A claim can be made in line with the expiry of the deferred period, which will be detailed in the terms and conditions of your plan. You will not be eligible to claim on your Income Protection plan in the event that your work closes, or where you are unable to work due to social distancing or shutdowns in the general economy.

Are Vitality life insurance plans available to new members?
Yes, all of Vitality’s life insurance plans including life insurance, Serious Illness Cover and Income Protection continue to be available for new members.

www.vitality.co.uk/coronavirus-faqs/ for full details

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